The Bellbrook Community Bank in Bellbrook, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 16, 1998

  • The Bellbrook Community Bank in Bellbrook, Ohio (OH)
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The Bellbrook Community Bank - Overview

  • General
  • FDIC Certificate #: 20527
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First National Bank of Zanesville (#6739)
    Federal Reserve ID: 56614
    Date Established: November 01, 1971
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 12977
    FDIC's unique #: 14166
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 01, 1971
    Last Structure Change Effective Date: May 16, 1998
    Last Structure Change Process Date: June 02, 1998
    Last Data Update: June 02, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 2010 Lakeman Drive, Bellbrook, OH 45305
    County: Greene
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • Financial Summary
  • Total assets: $42.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $42,441Total assets
  • $1,555Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,047Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,035Net loans & leases
  • $334Loan loss allowance
  • $0Trading account assets
  • $432Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $372All other assets
  • $42,441Total liabilities and capital
  • $39,134Total liabilities
  • $37,923Total deposits
  • $30,679Interest-bearing deposits
  • $37,923Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $750Other borrowed funds
  • $0Subordinated debt
  • $461All other liabilities
  • $3,307Total equity capital
  • $3,307Total bank equity capital
  • $3,307Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $1,292Undivided profits
  • Memoranda
  • $1,965Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $81Earning assets
  • $0Long-term assets (5+ years)
  • $162Average Assets, year-to-date
  • $40,082Average Assets, quarterly
  • $3,386Volatile liabilities
  • $37,854Insider loans
  • $42,007FHLB advances
  • $2,909Loans and leases held for sale
  • $874Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,816Total unused commitments
  • $0Restructured Loans and leases
  • $35,116Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $2,910Total interest income
  • $1,418Total interest expense
  • $1,492Net interest income
  • $69Provision for loan and lease losses
  • $537Total noninterest income
  • $0Fiduciary activities
  • $204Service charges on deposit accounts
  • $0Trading account gains & fees
  • $333Additional noninterest income
  • $1,359Total noninterest expense
  • $669Salaries and employee benefits
  • $24Premises and equipment expense
  • $666Additional noninterest expense
  • $601Pre-tax net operating income
  • $0Securities gains (losses)
  • $166Applicable income taxes
  • $435Income before extraordinary items
  • $0Extraordinary gains - net
  • $435Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.18%Yield on earning assets
  • 3.98%Cost of funding earning assets
  • 4.19%Net interest margin
  • 1.51%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 15.17%Return on equity (ROE)
  • 15.17%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1150.00%Credit loss provision to net charge-offs
  • 111.67%Efficiency ratio
  • 66,979Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 412.35%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 97.66%Net loans and leases to core deposits
  • 105.77%Equity capital to assets
  • 7.79%Core capital (leverage) ratio
  • 7.86%Tier 1 risk-based capital ratio
  • 9.41%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $37,854Average earning assets
  • $2,867Average equity
  • $35,591Average loans

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